EXHIBIT 31

                                CERTIFICATION

I, Anthony N. DeMint, certify that:

     1.   I have reviewed this report on Form 10-QSB of Too Late Financial
          Corp.;

     2.   Based  on my knowledge, this quarterly report does not contain  any
          untrue  statement  of a material fact or omit to state  a  material
          fact  necessary  to  make the statements  made,  in  light  of  the
          circumstances under which such statements were made, not misleading
          with respect to the period covered by this report;

     3.   I  am  the  sole  officer and director and  I  am  responsible  for
          establishing and maintaining disclosure controls and procedures (as
          defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
          control over financial reporting (as defined in Exchange Act  Rules
          13a-15(f) and 15d-15(f)) for the small business issuer and have:

          (a)  Designed  such disclosure controls and procedures,  or  caused
               such  disclosure controls and procedures to be designed  under
               my  supervision, to ensure that material information  relating
               to  the  small  business  issuer, including  its  consolidated
               subsidiaries,  is  made  known to me by  others  within  those
               entities, particularly during the period in which this  report
               is being prepared;

          (b)  Designed  such  internal control over financial reporting,  or
               caused  such internal control over financial reporting  to  be
               designed under my supervision, to provide reasonable assurance
               regarding  the  reliability  of financial  reporting  and  the
               preparation  of financial statements for external purposes  in
               accordance with generally accepted accounting principles;

          (c)  Evaluated  the  effectiveness of  the  small  business  issuer
               disclosure  controls  and procedures  and  presented  in  this
               report   my  conclusions  about  the  effectiveness   of   the
               disclosure  controls and procedures, as  of  the  end  of  the
               period covered by this report based on such evaluation; and

          (d)  Disclosed  in  this  report any change in the  small  business
               issuer's  internal  control  over  financial  reporting   that
               occurred during the small business issuer's most recent fiscal
               quarter (the small business issuer's fourth fiscal quarter  in
               the case of an annual report) that has materially affected, or
               is  reasonably likely to materially affect, the small business
               issuer's internal control over financial reporting; and

     4.   I  have  disclosed, based on my most recent evaluation of  internal
          control  over  financial reporting, to the small business  issuer's
          auditors  of  the  small business issuer's board of  directors  (or
          persons performing the equivalent functions):

          (a)  All  significant deficiencies and material weaknesses  in  the
               design   or  operation  of  internal  control  over  financial
               reporting which are reasonably likely to adversely affect  the
               small  business issuer's ability to record, process, summarize
               and report financial information; and

          (b)  Any  fraud,  whether or not material, that involves management
               or  other  employees who have a significant role in the  small
               business issuer's internal control over financial reporting.


Date:     August 29, 2003

/s/ Anthony DeMint
____________________________
Anthony N. DeMint
President and
Chief Accounting Officer